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7 “Best” Credit Repair Companies (2021)



Low credit score? Past delinquencies, bankruptcies, or other negative marks on your credit reports? These are problems that many Americans face and do not know what to do with. However, if you know where to look by going to one of the top credit repair companies in the nation, you can fix your problem and escape unscathed. Here are the 7 of the absolute best credit repair companies that I could find to hopefully get you out of a bind.

While most of this list of the top credit repair companies in America is not ordered by rank, since a lot of it depends on your preferences, Credit Saint is the clear winner of the best credit repair companies. For this reason, we have put it as number one. Credit Saint, according to the Better Business Bureau, is an A+ company that has been in business for over a decade. In that tenure, they have helped thousands and thousands of people just like you.

Credit Saint will start you off by meeting with you and discussing the current state of your credit for free. They’ll even give you a sample of what potentially could be done and a best-case scenario for your credit if you hire them. Once you have identified the areas of concern with them, Credit Saint will attack each and every problem by sending challenges to the three major credit bureaus in the United States.

Credit Saint is one of the most aggressive repair companies out there, which is good, but not everyone needs to pay for a full-fledged attack dog. That’s why Credit Saint offers several packages based on what you need to get the most bang for your buck.

Sky Blue Credit Repair is another great credit repair agency. They do great work to help raise your score and remove bad marks on your credit report. Out of all the companies on this list, Sky Blue can offer the best value, depending on your situation.

Going in the opposite direction of Credit Saint, Sky Blue has one service and charges a simple monthly flat rate. Coming in at under $80 a month, Sky Blue has one of the best prices out there and will fight for you. If within 90 days, you have not received any benefit, you can get your money back, with their money-back guarantee. After you sign up, Sky Blue will analyze your credit report and figure out what can be fixed. They will then attempt to dispute items on your report with a custom process and will even redispute any negative items if necessary. Sky Blue will also check to make sure any debt you have defaulted on does not break any usury or statute of limitation laws.

Lexington Law is a law firm that specializes in services such as credit repair. They can help you if you have had a divorce, identity theft, etc. that have affected your credit report. It is very comforting that this is an actual law firm with expert lawyers and paralegals working for you and it definitely helps that they have been in business since 1991.

Like Credit Saint, Lexington Law has three different plans for service with various affordable prices. Each plan can help you fix your credit score, while the more expensive plans will also include extra features like a FICO score tracker. Lexington Law will not only send customized disputes on your behalf but may also challenge hard inquiries that could be hurting you. No matter which of the plans you choose, you will have an online dashboard with all the information you need at your fingertips. was born out of the Internet. As such, they can be very easy and convenient for the modern person to work with and help manage your credit score. In business since 2012, can help you fix your credit and manage it with any of their three plans. Even though they are younger than some of the other agencies on this list, they tout having almost 2 million negative items removed from credit reports since their inception, which we find impressive.

When signing up, you will give them access to your credit reports. From there, will have experts analyze what they can do for you and get started working for you. After the results start to show, you will be able to track your progress via an app, website, or text and emails.

The Credit People have been in business for over 15 years and estimate that they can help people with bad credit by 53 to 187 points. They have been well-reviewed in places like Smart Money and the Wall Street Journal. People seem to absolutely love their services, which they offer in 6-month plans and monthly pay as you go plans. This flexibility can be great for people who are not sure exactly how much help they really need. They also offer a week-long trial for only $19 and a 60-day money-back guarantee.

With great experience, The Credit People has been able to see some great results. According to their website, they have gotten over 71% of their users have gotten approved for a mortgage and over 78% have gotten approved for auto loans. After joining, their average customer has been able to see a 32% improvement in their credit score.

Pyramid Credit Repair has been in business since 2011 and grown rapidly since then. Nowadays, the business based out of New York has over 270 full-time members and more than 8,000 people in the support team. Therefore, you can expect great customer service to come from Pyramid Credit Repair.

Pyramid Credit Repair has several plans based on your needs, each with great benefits, including 24/7 protection. One unique benefit is that they offer a $25,000 insurance plan in case of identity theft. Additionally, they have services such as dark web monitoring.

Additionally, while their plans are already affordable, many teachers, veterans, or couples can receive extra discounts. According to Trustpilot, Pyramid Credit Repair has a 4.8 rating out of 5 stars. Perfect for anyone who needs a full feature set and great support

Finally, we have landed at Ovation Credit Services, who honestly deserve a standing ovation for some of the work that they do. They have helped over 120,000 people, which speaks volumes. They have cost-effective options that can do wonders for your credit.

Like Credit Saint, Ovation Credit Services will give you your initial consultation for free, therefore, there is no harm in contacting them and trying them out. If you decided to continue with them, your advisor will help you through every step of the process, including writing goodwill letters, disputes, and contesting late payments. According to Ovation, approximately 1 in 5 Americans have inaccurate information on their credit reports, so they can hopefully help fix your bad credit today.

Ovation is reasonably priced with their one plan starting under $90 in the first month and under $80 every month after that. According to the Better Business Bureau, Ovation is an A+ company and according to Trustpilot, they have a rating of 4.3 out of 5 stars.


Bad credit can cause all sorts of problems in someone’s life and be a large expense. This could be due to higher interest on any mortgage, loan, or credit card or because employers and apartments often run credit checks during the application process. May people think they have to live with their past mistakes and bad credit, when they really do not. Contact a credit repair agency to get yourself on the right track, today.

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Bad Credit

If You Want Consumers to Lose, Network Regulation is a Must – Digital Transactions



After the current U.S. Congress was sworn in, a predictable chorus of merchants, lobbyists, and lawmakers demanded new interchange price caps and other government mandates to decrease credit card interchange fees for merchants. The tired attacks on credit cards are an easy narrative that focuses almost exclusively on the cost side of the ledger, while completely ignoring the cards’ important role in the economy and the regressive effects of interchange regulation. 

To lawmakers blindly acting on behalf of retailers, regulation is a brilliant idea—regardless of how it affects their constituents. For decades, they have promised these interventions would eventually benefit consumers. But the lessons from the Durbin Amendment in the United States and price cap regulation in Australia is clear. Although some policymakers bemoan the current economic model, arbitrarily “cutting” rates for the sake of cuts completely ignores the economic reality that as billions of dollars move to merchants, billions are lost by consumers. 

For the uninitiated, let’s break down what credit interchange funds: 1) the cost of fraud; 2) more than $40 billion in consumers rewards; 3) the cost of nonpayment by consumers, which is typically 4% of revolving credit; 4) more than $300 billion in credit floats to U.S. consumers; and 5) drastically higher “ticket lift” for merchants. 

Johnson: “To lawmakers blindly acting on behalf of retailers, regulation is a brilliant idea—regardless of how it affects their constituents.”

These are just some of the benefits. If costs were all that mattered, American Express wouldn’t exist. Until recently, it was by far the most expensive U.S. network. Yet, merchants still took AmEx because they knew the average AmEx “swipe” was around $140, far more than Visa and Mastercard. 

Put simply, for a few basis points, interchange functions as a small insurance policy to safeguard retailers from the threat of fraud and nonpayment by consumers. Consider the amount of ink spilled on interchange when no one mentions that the chargeoff rate for issuing banks on bad credit card debt exceeds credit interchange.

Looking abroad, interchange opponents cite Australia, which halved interchange fees nearly 20 years ago, as a glowing example of how to regulate credit cards. In truth, Australia’s regulations have harmed consumers, reduced their options, and forced Australians to pay more for less appealing credit card products. 

First, the cost of a basic credit card is $60 USD in many Australian banks. How many millions of Americans would lose access to credit if the annual cost went from $0 to $60? Can you imagine the consumer outrage? 

In a two-sided market like credit cards, any regulated shift to one side acts a massive tax on the other. For Australians, the new tax fell on cardholders. There, annual fees for standard cards rose by nearly 25%, according to an analysis by global consulting firm CRA International. Fees for rewards cards skyrocketed by as much as 77%.

Many no-fee credit cards were no longer financially viable. As a result, they were pulled from the market, leaving lower income Australians, as well as young people working to establish credit, with few viable options in the credit card market.

Even the benefits that lead many people to sign up for credit cards in the first place have been substantially diluted in Australia because of the reduction of interchange fees. In fact, the value of rewards points fell by approximately 23% after the country cut interchange fees.

Efforts to add interchange price caps would have a similar effect here in the U.S. A 50% cut would amount to a $40 billion to $50 billion wealth transfer from consumers and issuers to merchants. For the 20 million or so financially marginalized Americans, what will their access to credit be when issuers find a $50 billion hole in their balance sheets? 

The average American generates $167 per year in rewards, according to the Consumer Financial Protection Bureau. Perks like airline miles, hotel points, and cashback rewards would be decimated and would likely be just the province of the rich after regulation. Many middle-class consumers could say goodbye to family vacations booked at almost no cost thanks to credit card rewards.

As the travel industry and retailers fight to bounce back from the impact of the pandemic, slashing consumer rewards and reducing the attractiveness of already-fragile businesses is the last thing lawmakers and regulators in Washington should undertake.

Proposals to follow Australia’s misguided lead in capping interchange may allow retailers to snatch a few extra basis points, but the consequences would be disastrous for consumers. Cards would simply be less valuable and more expensive for Americans, and millions of consumers would lose access to credit. University of Pennsylvania Professor Natasha Sarin estimates debit price caps alone cost consumers $3 billion. How much more would consumers have to pay under Durbin 2.0?

Members of Congress and other leaders should learn from Australia and Durbin 1.0 to avoid making the same mistake twice.

—Drew Johnson is a senior fellow at the National Center for Public Policy Research, Washington, D.C.

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Increase Your Credit Score With Michael Carrington



More than ever before, your debt and credit records can negatively impact you or your family’s life if left unmanaged. Sadly, many Americans feel entirely helpless about their credit score’s present state and the steps they need to take to fix a less-than-perfect score. This is where Michael Carrington, founder of Tier 1 Credit Specialist, comes in. Michael is determined to offer thousands of Americans an educated, informed approach towards credit restoration.

Michael understands the plight that having a bad credit score can bring into your life. His first financial industry job was working as a home mortgage loan analyst for one of the nation’s largest lenders. Early on, he had to work a grueling schedule which included several jobs seven days a week while putting in almost 12-hour days to make $5,000 monthly to get by barely.

“I was tired of living a mediocre life and was determined to increase the value that I can offer others through my knowledge of the finance industry – I started reading all of the necessary books, networking with industry professionals, and investing in mentorship,” shares Michael Carrington. “I got my break when I was able to grow a seven-figure credit repair and funding organization that is flexible enough to address the financial needs of thousands of Americans.”

With his vast experience in the business world, establishing himself as a well-respected business leader, Michael Carrington felt he had the power to help millions of Americas in restoring their credit. Michael learned the FICO system, stayed up to date on the Fair Credit Reporting Act (FCRA), found ways to improve his credit score, and started showing others.

The Tier 1 Credit Specialist uses a tested and proven approach to educate their clients on everything credit scores. Michael is leveraging his experience as a home mortgage professional, marketing executive, and global business coach to inform his clients. He and his team take their time to carefully go through their client’s credit records as they try to find the root of their problem and find suitable financial solutions.

The company is changing lives all over America as it helps families and individuals to repair their credit scores, gain access to lower interest rates on loans and get better jobs. What Tier 1 Credit Specialists is offering many Americans is a chance at financial freedom.

Michael Carrington has repaired over $8 million in debt write-ups and has helped fund American’s with over $4 million through thousands of fixed reports. “I credit our success to being people-focused,” he often says. “The amount of success that we create is going to be in direct proportion to the amount of value that we provide people – not just our customers – people.”

Because of its ‘people-focused goals, the Tier 1 Credit Specialist is determined to help millions of Americans achieve financial literacy. It is currently receiving raving reviews from clients who are completely happy with the credit repair solutions that the company has provided them.

Today, Michael Carrington is continuing with a new initiative to serve more Americans who suffer from bad credit due to little or no access to affordable resources for repair.

The Tier 1 Credit Socialist brand is changing the outlook of many families across America. To do this, the company has created an affiliate system that will provide more people with ways of earning during these tough economic times.

As a well-respected international business leader and entrepreneur with numerous achievements to his name Michael Carrington aims to help millions of Americans achieve the financial freedom, he is experiencing today. Tier 1 Credit Socialist is one of the most effective credit repair brands on the market right now, and they have no plans for slowing down in 2021!

Learn more about Michael Carrington by visiting his Instagram account or checking out the Tier 1 Credit Specialist website.

Published April 17th, 2021

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Does Having a Bank Account With an Issuer Make Credit Card Approval Easier?



Better the risk you know than the one you don’t.

When it comes to personal finance, nothing is guaranteed. That goes double for credit. That’s why, no matter how perfect your credit or how many times you’ve applied for a new credit card, there’s always that moment of doubt while you wait for a decision.

Issuing banks look at a wide range of factors when making a decision — and your credit score is only one of them. They look at your entire credit history, and consider things like your income and even your history with the bank itself.

For example, if you defaulted on a credit card with a given bank 15 years ago, that mistake is likely long gone from your credit reports. To you and the three major credit bureaus, it is ancient history. But banks are like elephants — they never forget. And that mistake could be enough to stop your approval.

But does it go the other way, too? Does having a bank account that’s in good standing with an issuer make you more likely to get approved? While there’s no clear-cut answer, there are a few cases when it could help.

A good relationship may weigh in your favor

Credit card issuers rarely come right out and say much about their approval processes, so we often have to rely on anecdotal evidence to get an idea of what works. That said, you can find a number of stories of folks who have been approved for a credit card they were previously denied for after they opened a savings or checking account with the issuer.

These types of stories are more common at the extreme ends of the card range. If you have a borderline bad credit score, for instance, having a long, positive banking history with the issuer — like no overdrafts or other problems — may weigh in your favor when applying for a credit card. That’s because the bank is able to see that you have regular income and don’t overspend.

Similarly, a healthy savings or investment account with a bank could be a helpful factor when applying for a high-end rewards credit card. This allows the bank to see that you can afford its product and that you have the type of funds required to put some serious spend on it.

Having a good banking relationship with an issuer can be particularly helpful when the economy is questionable and banks are tightening their proverbial pursestrings. When trying to minimize risk, going with applicants you’ve known for years simply makes more sense than starting fresh with a stranger.

Some banks provide targeted offers

Another way having a previous banking relationship with an issuer can help is when you can receive targeted credit card offers. These are sort of like invitations to apply for a card that the bank thinks will be a good fit for you. While approval for targeted offers is still not guaranteed, some types of targeted offers can be almost as good.

For example, the only confirmed way to get around Chase’s 5/24 rule (which is that any card application will be automatically denied if you’ve opened five or more cards in the last 24 months) is to receive a special “just for you” offer through your online Chase account. When these offers show up — they’re marked with a special black star — they will generally lead to an approval, no matter what your current 5/24 status.

Credit unions require membership

For the most part, you aren’t usually required to have a bank account with a particular issuer to get a credit card with that bank. However, there is one big exception: credit unions. Due to the different structure of a credit union vs. a bank, credit unions only offer their products to current members of the credit union.

To become a member, you need to actually have a stake in that credit union. In most cases, this is done by opening a savings account and maintaining a small balance — $5 is a common minimum.

You can only apply for a credit union credit card once you’ve joined, so a bank account is an actual requirement in this case. That said, your chances of being approved once you’re a member aren’t necessarily impacted by how much money you have in the account.

In general, while having a bank account with an issuer may be helpful in some cases, it’s not a cure-all for bad credit. Your credit history will always have more impact than your banking history when it comes to getting approved for a credit card.

For more information on bad credit, check out our guide to learn how to rebuild your credit.

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